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What's the difference between an insurance carrier and an insurance agency?
Great question! The word "carrier" in terms of insurance is just a synonym for company. An insurance carrier is the insurance company that covers your vehicle and is listed on your policy (e.g. Allstate, State Farm, etc.). An insurance "agency" is a business that sells insurance coverage through on…
I swerved to miss a deer in the road, wrecked my car, and now my insurance company is saying that I'm considered at fault. Why is that?
Hitting an animal in the road falls under the category of a comprehensive insurance claim because animals do not follow road laws and can't be expected to avoid cars or roadways. It's the same general principle as hail damage. The incident changes to an at fault accident when you swerve to avoid th…
Why didn't my insurance company give me a defensive driving discount for completing the course?
Discounts vary by company, state, and situation so there is no guarantee that a carrier will provide a discount just from completing the course. Because taking a defensive driving course costs money, you always want to check with your company to see if they offer a discount before wasting your mone…
I just bought a used car and it is still insured under the previous owner. Am I covered?
When the ownership of a vehicle transfers from one person to another then the insurance coverage is no longer valid for the new owner. Even though the policy may still be active from the previous owner, you now own the vehicle and are not listed as a driver on the insurance coverage. You would need…
Should I get insurance or car registration first?
Your best bet for car insurance with an expired registration is to contact your state’s DMV and begin the process for being reinstated. It's unlikely a car insurance company will cover you if your registration is currently expired. The process will vary by your state, but usually includes:Showing p…
Do I need to keep a printed insurance card in my vehicle or can I show digital proof of insurance on my phone?
As of October 2022, 49/50 states and Washington D.C. allow for digital proof of auto insurance rather than a printed paper ID card. The only state not currently included is New Mexico which means in Oklahoma it is perfectly acceptable, and legal, to use an electronic copy on your phone.
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicl…
Can I get an SR22 when I don't own a car?
In the event that your state has suspended your license and requires that you have an SR22 then you will need to purchase an auto insurance policy. For people who do not own a car but are required to carry an SR22 then the solution is a non-owners insurance policy. This type of policy will offer th…
What part of my policy covers my car if I hit a pothole?
The resulting damage from hitting a pothole is actually considered an "At Fault" accident and would be covered under the collision portion of your policy. The reason this is the case is because insurance companies expect drivers to operate their vehicles safely and watch for hazards in the road to …
Should I buy a car first, or the insurance first?
You can't exactly buy insurance before you’ve picked a car, because the insurer needs specific information about the vehicle. However, you can’t legally drive off the lot without insurance, either. It can be slightly stressful sitting at the dealership, trying to get your insurance in order. Planni…
